Commercial real estate property representing lending opportunities

Close Your Commercial Loan
in Days, Not Months

Clear House Lending connects real estate investors and developers with the right lender from our network of 6,000+ private capital sources. Bridge, DSCR, SBA, hard money, and construction loans -- most borrowers get term sheets within 48 hours.

Commercial Real Estate Loans in San Jose (CA)

Access over 6,000 commercial lenders for San Jose real estate investments. Bridge loans, SBA financing, DSCR loans, hard money, and specialty financing for investors and developers.

Commercial Lending in San Jose

San Jose is the capital of Silicon Valley with strong tech-driven demand for office, R&D, and multifamily properties. Clear House Lending connects San Jose investors and developers with our nationwide network of over 6,000 commercial lenders to find the right financing solution for your project.

Key Submarkets in San Jose

We finance commercial properties across the San Jose metro area, including Downtown, North San Jose, Santana Row, Alviso, and Edenvale.

Commercial Loan Programs Available in San Jose

Bridge Loans

Short-term financing for acquisitions, value-add projects, and time-sensitive deals. Close in as little as 5-15 days.

  • Terms: 12-36 months
  • LTV: Up to 80%
  • Rates: 8-13%
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SBA Loans

Government-backed financing for owner-occupied commercial real estate with low down payments and competitive rates.

  • Down Payment: 10-20%
  • Terms: Up to 25 years
  • Rates: 5.5-8.5%
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DSCR Loans

Investment property loans based on property cash flow, not personal income. Ideal for scaling rental portfolios.

  • No income verification
  • LTV: Up to 80%
  • Rates: 7-10%
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Hard Money Loans

Asset-based financing for fix-and-flip, distressed acquisitions, and projects requiring speed over cost.

  • Close in 5-14 days
  • Based on ARV
  • Rates: 10-15%
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The Clear House Lending Advantage

  • Quick Pre-Approvals

    Every loan officer in our network is licensed, experienced, and committed to exceptional service.

  • Personalized Matching

    We don't believe in one-size-fits-all. Get connected with experts tailored to your unique financial profile.

  • Save Time & Hassle

    Skip the frustration of contacting multiple lenders individually. We bring the right experts to you.

  • Broader Loan Options, Simplified

    Tap into a wide array of mortgage solutions through specialists within our network.

Property Types We Finance in San Jose

  • Medical Office Buildings
  • Land Development

Why Choose Clear House Lending for San Jose Financing

  • Local Market Knowledge: We understand the San Jose commercial real estate market and can match you with lenders who actively finance in your target areas.
  • 6,000+ Lender Network: Access to the nation's largest network of commercial lenders means competitive rates and certainty of execution.
  • Speed to Close: Our bridge and hard money lenders can close in days, not months, giving you a competitive edge in the San Jose market.
  • All Property Types: From downtown San Jose multifamily to suburban retail, we finance all commercial property types.

Ready to Finance Your San Jose Project?

Get matched with lenders who actively finance commercial real estate in San Jose. Free consultation, no obligation.

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Commercial Loan Programs

Financing solutions for every stage of the commercial property lifecycle

Commercial Acquisitions

Financing for the purchase of new commercial assets

Commercial Refinancing

Rate, term, and cash-out solutions for existing commercial debt

Permanent Financing

Long-term, fixed-rate financing for stabilized commercial properties

Bridge Loans & Interim Debt

Short-term funding for quick acquisitions or property stabilization

CMBS (Conduit Loans)

Securitized, large balance non-recourse commercial real estate mortgages

SBA Loans (7a & 504)

Government-backed financing for owner-occupied commercial real estate

Commercial financing

Ready to secure your next deal?

Fast approvals, competitive terms, and expert guidance for investors and businesses.

  • Nationwide coverage
  • Bridge, SBA, DSCR & more
  • Vertical & Horizontal Construction Financing
  • Hard Money & Private Money Solutions
  • Up to $50M+
  • Foreign nationals eligible
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